| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | BLUECROSS BLUESHIELD OF TEXAS | $106K | $2K | $108K | 1.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 1.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 9.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 6.22% |
| DEBRA L SCHMIDT3 Filed as: DEBRA LA GATTA SCHMIDT | 7207 SANDY ISLE LANE SPRING, TX 77389 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 4.16% |
| TYLER VAUGHN3 | 43 STEEP TRAIL PLACE CONROE, TX 77385 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.28% |
| NICOLE LYNN RIHANEK3 Filed as: NICOLE LYNN RIHANEK & OTHER AGENTS | 1025 2ND AVENUE EAST APPARTMENT 4312 BRADENTON, FL 34208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.85% |
| CARLOS D ESPINOSA3 Filed as: CARLOS DARIO ESPINOSA | 1164 ROBERT MALLET ROAD ARNAUDVILLE, LA 70512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $686 | $0 | $686 | 0.56% |
| JEFFREY M SATTERLEE3 Filed as: JEFFREY MICHAEL SATTERLEE | 4351 JAGER DRIVE NE, SUITE B RIO RANCHO, NM 87144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $404 | $0 | $404 | 0.33% |
| JANET S. RENO3 Filed as: JANET SUSAN RENO | 14922 DOGWOOD VIEW LANE CYPRESS, TX 77429 | CONTINENTAL AMERICAN INSURANCE COMPANY | $358 | $0 | $358 | 0.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 697 | $5.6M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 252 | $232K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $55K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 384 | $452K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 384 | $452K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 697 | $5.6M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 384 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.